| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 12 de marzo de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.660500 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 12/3/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 12/3/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 12/3/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 250,780.1 | 255,168.9 | 4,388.8 | 1.8 | -47,580.3 | -41,572.8 | 6,007.5 | -12.6 | 203,199.8 | 213,596.1 | 10,396.3 | 5.1 |
| 1. Activo externo 1/ | 250,780.1 | 255,168.9 | 4,388.8 | 1.8 | 8,221.3 | 12,890.7 | 4,669.4 | 56.8 | 259,001.4 | 268,059.6 | 9,058.2 | 3.5 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -54,463.5 | 1,338.1 | -2.4 | -55,801.6 | -54,463.5 | 1,338.1 | -2.4 |
| II. ACTIVOS INTERNOS NETOS | -67,037.5 | -77,964.2 | -10,926.7 | 16.3 | 482,439.5 | 486,646.2 | 4,206.7 | 0.9 | 332,659.9 | 330,889.7 | -1,770.2 | -0.5 |
| 1. Actividad crediticia | -15,061.6 | -13,889.7 | 1,171.9 | -7.8 | 442,571.7 | 444,695.2 | 2,123.5 | 0.5 | 427,510.1 | 430,805.4 | 3,295.3 | 0.8 |
| 1.1 Al Sector público neto | -17,119.7 | -15,947.8 | 1,171.9 | -6.8 | 34,243.3 | 33,873.3 | -370.0 | -1.1 | 17,123.7 | 17,925.5 | 801.8 | 4.7 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 411,679.0 | 2,591.9 | 0.6 | 409,087.1 | 411,679.0 | 2,591.9 | 0.6 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 303,680.5 | 1,235.2 | 0.4 | 302,445.3 | 303,680.5 | 1,235.2 | 0.4 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 107,998.5 | 1,356.7 | 1.3 | 106,641.8 | 107,998.5 | 1,356.7 | 1.3 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,292.4 | 1,194.0 | -98.4 | -7.6 | 1,299.3 | 1,200.9 | -98.4 | -7.6 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 810.7 | 0.0 | 0.0 | 817.7 | 817.7 | 0.0 | 0.0 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 383.2 | -98.4 | -20.4 | 481.6 | 383.2 | -98.4 | -20.4 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 69,956.0 | 65,351.4 | -4,604.6 | -6.6 | -30.8 | -14.0 | 16.8 | -54.5 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 12,746.2 | 12,417.6 | -328.6 | -2.6 | -9.2 | -9.3 | -0.1 | 1.1 |
| 4. Otros Activos Netos | 11,239.3 | 5,577.7 | -5,661.6 | -50.4 | -68,627.7 | -67,712.9 | 914.8 | -1.3 | -57,388.4 | -62,135.2 | -4,746.8 | 8.3 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -4,526.7 | -346.6 | 8.3 | -4,180.1 | -4,526.7 | -346.6 | 8.3 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -63,215.2 | -69,652.2 | -6,437.0 | 10.2 | 29,973.4 | 36,421.6 | 6,448.2 | 21.5 | -33,241.8 | -33,230.6 | 11.2 | 0.0 |
| 7.1 Con entidades públicas | -27,260.4 | -28,417.9 | -1,157.5 | 4.2 | 0.0 | 0.0 | 0.0 | 0.0 | -27,260.4 | -28,417.9 | -1,157.5 | 4.2 |
| 7.2 Otros inversionistas | -35,954.8 | -41,234.3 | -5,279.5 | 14.7 | 29,973.4 | 36,421.6 | 6,448.2 | 21.5 | -5,981.4 | -4,812.7 | 1,168.7 | -19.5 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 183,742.7 | 177,204.7 | -6,538.0 | -3.6 | 434,859.2 | 445,073.4 | 10,214.2 | 2.3 | 535,859.7 | 544,485.8 | 8,626.1 | 1.6 |
| IV. DINERO PRIMARIO | 170,987.3 | 164,777.8 | -6,209.5 | -3.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 99,412.5 | -1,588.0 | -1.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 69,986.8 | 65,365.4 | -4,621.4 | -6.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 67,494.7 | 62,867.1 | -4,627.6 | -6.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,461.3 | 2,484.2 | 22.9 | 0.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 30.7 | 14.0 | -16.7 | -54.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 12,755.4 | 12,426.9 | -328.5 | -2.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 12,295.9 | 11,965.3 | -330.6 | -2.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 450.3 | 452.3 | 2.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.2 | 9.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 101,000.5 | 99,412.5 | -1,588.0 | -1.6 | 115,387.0 | 112,644.4 | -2,742.6 | -2.4 | 216,387.4 | 212,056.9 | -4,330.5 | -2.0 |
| 1. Numerario en circulación | 101,000.5 | 99,412.5 | -1,588.0 | -1.6 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 99,412.5 | -1,588.0 | -1.6 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 112,644.4 | -2,742.6 | -2.4 | 115,387.0 | 112,644.4 | -2,742.6 | -2.4 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 244,803.0 | 6,535.1 | 2.7 | 238,267.9 | 244,803.0 | 6,535.1 | 2.7 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 99,412.5 | -1,588.0 | -1.6 | 353,654.9 | 357,447.4 | 3,792.5 | 1.1 | 454,655.4 | 456,859.9 | 2,204.5 | 0.5 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 32,505.9 | 2,323.4 | 7.7 | 30,182.5 | 32,505.9 | 2,323.4 | 7.7 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 55,120.1 | 4,098.3 | 8.0 | 51,021.8 | 55,120.1 | 4,098.3 | 8.0 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 87,626.0 | 6,421.7 | 7.9 | 81,204.3 | 87,626.0 | 6,421.7 | 7.9 |
| XII. MEDIOS DE PAGO TOTALES | 101,000.5 | 99,412.5 | -1,588.0 | -1.6 | 434,859.2 | 445,073.4 | 10,214.2 | 2.3 | 535,859.7 | 544,485.9 | 8,626.2 | 1.6 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 780.1 | 164.1 | 26.6 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 1,287.6 | 114.9 | 9.8 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 11,643.9 | 4,258.6 | 57.7 | -.- | -.- | -.- | -.- |